Deshika Dechamma K. C.
Mortgage Servicing Officer
Bengaluru
Summary
Dynamic Mortgage Servicing Officer with a proven track record at OSB India, excelling in regulatory compliance and fraud prevention. Adept at resolving complex customer issues and enhancing operational efficiency. Strong communicator and problem solver, committed to maintaining high standards of service quality and audit readiness.
Overview
3
3
years of professional experience
4
4
Languages
Work History
Mortgage Servicing Officer - Tier 2
OSB India
06.2024 - Current
- Handled end-to-end servicing of mortgage accounts, including routine BAU activities such as account closures, issuance of interest certificates, generation of annual statements, and resolution of servicing-related requests to ensure a seamless customer experience and regulatory compliance.
- Reviewed mortgage documentation to ensure completeness, accuracy, and compliance with internal policies and regulatory guidelines.
- Resolved escalated customer service issues, addressing complex queries related to payments, account status, loan terms, and servicing exceptions.
- Coordinated account maintenance tasks, such as payment reversals, interest adjustments, and escrow updates, ensuring timely and accurate execution.
- Oversaw reconciliation of mortgage transactions, verifying correct posting of payments and resolving discrepancies in coordination with finance teams.
- Tracked and reported servicing metrics, contributing to performance reviews, audit readiness, and continuous process improvement initiatives.
- Liaised with internal departments including underwriting, legal, completions, and finance to resolve cross-functional issues and support servicing operations.
- Mentored and trained junior servicing staff, promoting knowledge sharing and maintaining high standards of service quality and consistency.
- Ensured adherence to SLAs and compliance standards, maintaining operational excellence and readiness for internal and external audits.
- Led and supported process migration initiatives, ensuring seamless transitions for internal teams and clients with minimal disruption.
- Managed high-volume work queues and shared inboxes, prioritizing urgent requests, tracking follow-ups, and maintaining professional communication standards.
- Conducted quality checks for Level 1 servicing queues, supporting the Quality Team in maintaining accuracy, compliance, and service integrity.
Account Specialist II - Bank Initiative Closure
JP Morgan Chase & Co
08.2023 - 05.2024
- Executed monetary, non-monetary, and regulatory account maintenance, including reclamations and account closure services across various banking products.
- Conducted periodic quality checks on KYC profiles, performing Customer Due Diligence (CDD) based on customer risk types and drafting AML summaries for suspected fraud cases, with timely escalation to internal management.
- Reviewed business and individual customer transactions (cash, checks, EFTs), investigating anomalies and liaising with bankers regarding unexpected account activity.
- Safeguarded the bank against money laundering risks, ensuring accounts are not exploited - intentionally or unintentionally by criminal entities.
- Suspended funds and terminated accounts (personal, business, mortgage, prepaid) upon confirmation of fraudulent activity, including cases reported by internal teams such as Fraud Hotline (FHL), Legal, Compliance, and Deposit Risk.
- Performed in-depth account research to determine whether the customer was a victim or perpetrator of fraud.
- Collaborated with AML, KYC, Fraud Hotline, Generic Department, and NAS teams to proactively identify risks and recommend mitigation strategies.
- Handled transactional services, including fund transfers, check issuance, payment stoppages, and account maintenance.
- Closed restricted accounts flagged by internal departments (Fraud, AML, Legal, Compliance, Deposit Review/Risk), ensuring proper fund suspension, transfer, or disbursement.
- Maintained service level agreements (SLAs) by ensuring timely and accurate completion of assigned volumes.
Associate Loan Documentation Processor
Wells Fargo
03.2022 - 08.2023
- Managed end-to-end mortgage funding operations for a high-volume lending environment, ensuring timely and accurate disbursements.
- Reviewed loan documentation to verify completeness and accuracy, proactively identifying discrepancies or missing information.
- Collaborated cross-functionally with loan officers, underwriters, and closing agents to resolve funding-related issues and facilitate smooth closings.
- Verified critical loan data - including borrower details, loan terms, and funding requirements to ensure compliance with regulatory standards and internal policies.
- Monitored funding pipelines, tracked progress, and provided timely updates to internal stakeholders to support operational transparency.
- Responded to funding-related inquiries from customers and internal teams, delivering exceptional service and effective problem resolution.
- Partnered with accounting and finance teams to reconcile funding transactions and resolve discrepancies, maintaining financial accuracy.
- Implemented process enhancements to streamline funding workflows, improve operational efficiency, and minimize errors.
- Trained and mentored new team members, supporting onboarding and fostering a collaborative, high-performing team culture.
Education
Bachelor of Commerce - Accounting And Finance
Mangalore University
04.2001 -
Skills
- Regulatory Compliance (AML/KYC)
- Quality Control & Audit Readiness
- SLA Management
- Financial Statement Analysis
- Fraud Detection & Prevention
- Data Accuracy & Reporting
- Strong Communication & Interpersonal Skills
- Problem Solving & Decision Making
- Time Management & Multitasking
- Stakeholder Management
Hobbies
Cooking, Gardening and Playing Hockey
Timeline
Mortgage Servicing Officer - Tier 2
OSB India
06.2024 - Current
Account Specialist II - Bank Initiative Closure
JP Morgan Chase & Co
08.2023 - 05.2024
Associate Loan Documentation Processor
Wells Fargo
03.2022 - 08.2023
Bachelor of Commerce - Accounting And Finance
Mangalore University
04.2001 -
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